發(fā)布時間：2018-11-07 16:02

【摘要】：影子銀行體系,起源于全球金融最發(fā)達的美國,因其釀就2008年金融危機而廣為人知。影子銀行體系在此次國際金融危機產(chǎn)生、發(fā)展演變過程中扮演了重要角色。影子銀行能夠引發(fā)系統(tǒng)性的金融風險,因此對影子銀行的監(jiān)管在金融危機后受到各國監(jiān)管部門的高度重視。雖然我國影子銀行無論是構成還是運作方式特別是風險表現(xiàn)形式和程度與美國影子銀行都有較大差別,并且不像美國影子銀行那樣成為導致金融危機的主要原因,但是當前我國影子銀行的不規(guī)范和無序運作,開始對我國的金融健康運行構成威脅,潛在的系統(tǒng)性風險開始出現(xiàn)。所以,應盡早規(guī)范我國影子銀行的運行規(guī)則,完善相關法律制度,促進影子銀行有序運行。本文在借鑒美國金融改革監(jiān)管經(jīng)驗的基礎上,結(jié)合中國金融發(fā)展和監(jiān)管的實際情況,有針對性地提出完善我國影子銀行體系風險監(jiān)管的對策,使其在金融體系中發(fā)揮積極的融資作用,更好的為中國金融發(fā)展做出貢獻。 文章共分為五個章節(jié)： 第一章介紹了本文的選題背景和選題意義,并簡要的闡述了國內(nèi)外學者對相關領域的一些重要研究成果和本文的研究思路,以及本文的創(chuàng)新及不足之處。 第二章主要對影子銀行的基礎理論進行了概述。首先結(jié)合國內(nèi)外學者的研究給影子銀行一個明確的定義,然后詳細地分析和闡述了影子銀行的特點,分析了傳統(tǒng)商業(yè)銀行與影子銀行之間的區(qū)別。 第三章詳細地介紹了我國影子銀行的發(fā)展歷程和發(fā)展現(xiàn)狀,同時分析了我國目前影子銀行的構成情況,總結(jié)了我國影子銀行興起和快速發(fā)展的原因。從正反兩個方面分析了影子銀行對我國經(jīng)濟的影響�？疾廖覈鴮τ白鱼y行監(jiān)管的現(xiàn)狀,總結(jié)出監(jiān)管中存在的問題。 第四章主要介紹了美國影子銀行體系的構成、運行機制,重點分析了美國在金融危機前后對影子銀行監(jiān)管的措施以及政策的改革。將我國的影子銀行與美國影子銀行進行比較分析,得出我國影子銀行在其構成以及運行機制、風險傳遞、資產(chǎn)證券化的程度等方面存在著很大的區(qū)別。由于影子銀行在美國發(fā)展最為成熟,美國對影子銀行的監(jiān)管政策對我國肯定具有借鑒意義。但是考慮到我國的現(xiàn)狀,有必要結(jié)合我國的情況采取更有針對性的監(jiān)管措施,旨在完善我國對影子銀行的監(jiān)管。 第五章是在以上研究和分析的基礎上,提出完善我國影子銀行監(jiān)管的政策建議。首先要完善影子銀行的監(jiān)管立法、加強對金融創(chuàng)新的監(jiān)管；其次要建立影子銀行和商業(yè)銀行之間的風險隔離機制、防止風險傳遞,加強影子銀行的信息披露要求；最后要積極推進利率市場化改革。
[Abstract]:The shadow banking system, which originated in America, the world's most financially developed country, is well known for the 2008 financial crisis. Shadow banking system has played an important role in the emergence and evolution of the international financial crisis. Shadow banking can lead to systemic financial risk, so the supervision of shadow banking has been attached great importance by the regulatory authorities in various countries after the financial crisis. Although our country's shadow banking is different from the United States' shadow banking in terms of its composition or operation, especially the form and degree of risk expression, it is not the main cause of the financial crisis like the United States' shadow banking. However, the non-standard and disorderly operation of shadow banking in our country is threatening the healthy operation of our country's finance, and the potential systemic risk begins to appear. Therefore, we should standardize the operation rules of shadow banks as soon as possible, perfect the relevant legal system, and promote the orderly operation of shadow banks. Based on the experience of American financial reform and supervision and the actual situation of China's financial development and supervision, this paper puts forward some countermeasures to improve the risk supervision of China's shadow banking system. Make it play an active financing role in the financial system, and better contribute to the financial development of China. The article is divided into five chapters: the first chapter introduces the background and significance of the topic, and briefly describes the domestic and foreign scholars on the relevant areas of some important research results and this research ideas. And the innovation and deficiency of this paper. The second chapter summarizes the basic theory of shadow banking. This paper first gives a clear definition of shadow banking combined with the research of scholars at home and abroad, then analyzes and expounds the characteristics of shadow banking in detail, and analyzes the differences between traditional commercial banks and shadow banks. The third chapter introduces the development history and present situation of shadow banking in China, and analyzes the composition of shadow banking in China, and summarizes the reasons for the rise and rapid development of shadow banking in China. This paper analyzes the influence of shadow banking on China's economy from two aspects: positive and negative. This paper examines the present situation of shadow banking supervision in China, and summarizes the existing problems in supervision. The fourth chapter mainly introduces the composition and operation mechanism of the shadow banking system in the United States, focusing on the analysis of the regulatory measures and policy reform of the shadow banking in the United States before and after the financial crisis. By comparing the shadow banks in China with those in the United States, it is concluded that there are great differences in the composition and operation mechanism, risk transmission, and the degree of asset securitization in China's shadow banks. As shadow banking is the most mature in the United States, the regulatory policy of shadow banking in the United States will certainly have reference significance for our country. However, considering the present situation of our country, it is necessary to take more targeted supervision measures according to the situation of our country, in order to perfect the supervision of shadow banking in our country. On the basis of the above research and analysis, the fifth chapter puts forward some policy suggestions to improve the supervision of shadow banking in China. Firstly, we should perfect the supervision legislation of shadow bank, strengthen the supervision of financial innovation, establish the risk isolation mechanism between shadow bank and commercial bank, prevent risk transmission, and strengthen the information disclosure requirement of shadow bank. Finally, we should actively promote the reform of marketization of interest rates.
【學位授予單位】：東北財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.1

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本文編號：2316852